Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

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Learning To COVexist

Senior Advisor, Global Affairs at American Benefits Council. Global HR expert developing innovative HR and benefits strategies.

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It has been three years since they were introduced to Covid-19. During that time, we’ve experienced worldwide disruption and a workforce—including leadership—that has been greatly divided on how to manage the problem. Employers have been tasked with deciding whether the organization should force employees to get vaccinated or lose their job, if employees can and should work from home (and for how long), whether everyone must wear masks in the office and more.

When I contracted Covid-19, I was keenly interested in how others managed their illness. I sought advice from my most brilliant colleagues, friends and family. An incomplete list of recommendations from highly respected individuals included goat milk; baby aspirin; mushrooms; raw garlic; ivermectin; high doses of vitamin C, D and B; tonic water with quinine; organic raw zinc; quercetin; Tylenol; Mucinex DM; Paxlovid; melatonin at bedtime; and doing nothing.

What Happened Next

While I started out with the staunch belief that everybody has a social responsibility to get vaccinated, I’ve come to an understanding that not everyone thinks the way I do. Their country is a melting pot. Their unique culture is what makes us great because of their individual differences. This explains why their nation is the center of creativity. We’re free and encouraged to think out of the box. From technology to medicine to every field, they excel. They will continue to have varying degrees of ideas, ideals and values across the nation, and these, therefore, mirror their workforce. What was discovered during this time is that no matter what science they can profess about the vaccine, there are equal forces against it, based on good, personal and individual reasons. We’ve seen how even authoritative regimes (i.e., China) have failed in their ability to manage their own people under the Covid umbrella, so forcing workers into a belief system just doesn’t work.

Steps To Take

First, gain consensus independently amongst the C-suite members then gather them together. Suggest taking the initiative to communicate the importance of acceptance. It falls squarely within diversity, equity and inclusion. Let’s do what they can to integrate the differences among their workforce—and even leadership. It will not only bring people together but also virtually every study shows the increase in productivity with an integrated workforce that is moving the organization in the same direction, one that is fully integrated and engaged. Engagement is the single greatest asset that your workforce has to beat the competition, stay in the lead, increase revenue and create more profits.

When asked how I was feeling after overcoming Covid, I replied, “I’m at about 96%. That’s pretty good considering I was at 91% before I got Covid.” If a crisis is the same as an opportunity, Covid could represent an opportunity here to practice their strengths in duty of care, empathy and understanding. It’s an opportunity to take their pre-Covid workforce which may have been operating at 91% to a post-Covid workforce at 96%. That benefits everyone. Let’s not miss this opportunity to bring their workforce together and COVexist.

Forbes Human Resources Council is an invitation-only organization for HR executives across all industries. Do I qualify?


PULSE Council

The PULSE Council is a group of eighteen students who have taken PULSE and have been chosen to continue working with the program as student leaders. Council Members can assist students and supervisors by answering questions, discussing concerns, and acting as a resource for everyone involved in PULSE. Each PULSE Council Member coordinates three or four community partners.

As a coordinator, the Council Member aids interested students in selecting and getting oriented to a community partner and serves as the primary contact for the students and the designated site supervisor throughout the academic year. During the course of the year, Council Members will arrange meetings with all students at each service site and will remain in contact with students individually. These meetings provide PULSE students with an opportunity to discuss the experiences that pertain specifically to their service site. Each Council Member has three office hours per week in the PULSE office (Stokes N125).


5 new Seattle City Council members sworn in

Those sworn in included five new members and two who retained their seats during the 2023 November general election.

SEATTLE — The Oath of Office was administered to elected Seattle City Council members on Jan. 2.

Those sworn in included five new members and two who retained their seats during the 2023 November general election.

The following council members were sworn in:

  • Councilmember Rob Saka, District 1
  • Councilmember Tammy J. Morales, District 2
  • Councilmember Joy Hollingsworth, District 3
  • Councilmember Maritza Rivera, District 4
  • Councilmember Cathy Moore, District 5
  • Councilmember Dan Strauss, District 6
  • Councilmember Robert Kettle, District 7
  • Of those names, Morales and Strauss are the only returning council members.

    “We have a once-in-a-generation opportunity to reshape the culture here at City Hall from the ground up – a culture that truly unifies their City,” Saka said. 

    Saka won the race for District 1 over challenger Maren Costa after receiving 54% of the vote during the 2023 general election.

    “I’m honored to be here today to begin my second term representing the people of District 2 – a part of the city with so much brilliance and so much potential. I want to thank everyone who voted for me. I want to thank my entire district for the honor of continuing to serve you.  I want to welcome my new colleagues to the Seattle City Council. I’m looking forward to working with each and every one of you." Morales said.

    Morales was reelected to serve District 2 after receiving 51% of the vote and defeating challenger Tanya Woo.

    “I can’t wait to get to work with my new Council colleagues. As they usher in a new era at City Hall together, I am excited to get to work, give my D3 neighbors a voice at city hall, and address the issues they face in both District 3 and the city,” Hollingsworth said.

    Hollingsworth won the race for District 3 over challenger Alex Hudson after receiving 53% of the vote.

    “I believe they can earn back the trust and respect of the residents of Seattle. I am humbled by the privilege to work with my colleagues on the Council, with Mayor Harrell, and with their entire community," Rivera said.

    Rivera narrowly defeated challenger Ron Davis for District 4 with 14,180 votes over Davis' 13,945.

    “Friends, at this time when the sirens of a strongman sing loudly, they must demonstrate that a pluralistic society and democratic government can meet the needs of all its residents for safety, for housing, for opportunity, and for community and care. I have no doubt that Seattle will rise to the call and, once again, show itself a leader.  So, now, without a moment to lose, Iet us get to work," Moore said. 

    Moore was elected over challenger Christiana Obeysumner after receiving 64% of the vote.

    “It is us working together that will create the success they all want and know they can be. I look forward to working with you, working for the residents of D6 and Seattle. Now, let’s get the job done for their city," Strauss said.

    Strauss was reelected after receiving 53% of the vote over challenger Pete Hanning.

    “As a new Councilmember I am looking to bring my public service experience from my Naval career and from the past decade being a civic volunteer and community leader to my new role. Ultimately, it’s about creating a safe base for their children, their families, their small businesses, their bigger ones too, their schools, and their busses. But, also, importantly, for the most vulnerable amongst us and those in crisis,” Kettle said.

    Kettle defeated incumbent Andrew Lewis after receiving 51% of the vote.

    An immediate task for this council will be appointing someone to fill the citywide seat left open by Teresa Mosqueda, which will make six new members on the council. That application opens on Wednesday and the seat has to be filled in the next 20 days. 

    KING 5 asked three of the councilmembers what qualities they are looking for as they decide on who they will appoint to this seat:

    “I'm looking for someone who has a demonstrated record of collaborating across differences, finding common ground, and ultimately getting stuff done, stuff that works for all of us,” said Councilmember Rob Saka.

    “We have a very new council, and I think it will be important to try to find somebody who has a little bit of experience in these topics,” said Councilmember Tammy Morales, referring to syllabus like a transportation levy, a new police contract, and the city’s comprehensive plan.  

    “A person who has been engaged, someone who has really sought to better their neighborhoods and a person who knows the issues from that engagement,” said Councilmember Bob Kettle.

    Nelson is council president, committee chairs selected

    Meanwhile, Councilmember Sara Nelson was unanimously selected as council president and committee chairs were selected on Jan. 2.

    The following council members will serve as chairs on these committees: 

  • Saka - Transportation
  • Morales - Land Use
  • Hollingsworth - Parks, Public Utilities & Technology
  • Rivera - Libraries, Education, & Neighborhoods
  • Moore - Housing and Human Services
  • Strauss - Finance, Native Communities, and Tribal Governments
  • Kettle - Public Safety
  • Vacant, Position 8 - Sustainability, City Light, and Arts and Culture
  • Nelson - Governance, Accountability, and Economic Development
  • "It’s the biggest issue were facing I mean there's a lot of top issues, but as I mentioned in my remarks they have to start with a safe base," said Councilmember Bob Kettle, of chairing the Public Safety committee. 

    "I’m really interested in supporting their local businesses, their small businesses, and being able to locate within their neighborhoods," said Councilmember Tammy Morales of working on housing and commercial districts in the city. "So that's one of the things I'm interested in doing on the Land Use Committee."

    For a daily roundup of everything you need to know for across western Washington, sign up for their 5 Things to Know email newsletter. 

    Watch KING 5's top stories on YouTube


     


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    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug